The Failure and Promise of Mandated Consumer Mortgage Disclosures: Evidence from Qualitative Interviews and a Controlled Experiment with Mortgage Borrowers
通过定性访谈和受控实验，研究了强制披露在抵押贷款中的效果，发现其未能有效帮助借款人，并探讨了改进方向。
The Failure and Promise of Mandated Consumer Mortgage Disclosures: Evidence from Qualitative Interviews and a Controlled Experiment with Mortgage Borrowers by James M. Lacko and Janis K. Pappalardo. Published in volume 100, issue 2, pages 516-21 of American Economic Review, May 2010